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Dear S,
Thank you for your email.
It is correct that the cap is extended to 6 years if you have done a 4 year undergraduate degree. (see section 101, page 25 of the Tier 4 Policy Guidance)
In terms of the levels of study that are included in the 5/6 year cap, it is any study at degree level and above. Therefore the Masters at the RCA is included in this time limit with the UG from UCL. (See section 101, page 25 of the Tier 4 Policy Guidance)
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/422731/2015-04- 17_T4_Migrant_Guidance_April_15_f.pdf
The Home Office have also recently changed the way in which the 5/6 year cap is being calculated. Under the old regulations the Home Office calculated time spent studying in the UK based upon the term dates. Under the new rules, the Home Office are now calculating time spent in the UK based on the time length of the Tier 4 visa. This means that they are now including the time granted before a course starts (usually one month) and the four months after a course has finished.
http://www.ukcisa.org.uk/studentnews/558/Changes-to-the-Immigration-Rules-affecting-students
Under this new way of calculating the cap, if you were to defer your place at the RCA to 2016 you would not have sufficient time within the 6 year cap to complete the course, as the calculation would be as follows:
Study at UCL: 13/09/2010 - 13/10/2014 (based on the visa dates, not the term dates) = 4 years 1 month 1 day
Study at RCA: 26/08/2016 - 30/10/2018 (this is with the additional 1 month at the beginning and 4 months at the end of the visa) =2 years 2 months 5 days
In total this would be 6 years 3 months and 6 days which is over the 6 year cap.
As a transitional measure the Home Office have stated that any CAS's that are issued prior to the 10th August 2015 will be assessed under the old regulations, which calculated the time based on the course dates not the visa dates. if you started the course this year, with a CAS issued before the 10th August the calculation would be as follows:
Study at UCL: 26/09/2010 - 13/06/2014 (based on the term dates, not the visa dates) = 3 years 9 months 1 day
Study at RCA: 28/09/2015 - 30/06/2017 (based on the term dates, not the visa dates) = 1 year 9 months 3 days
In total this would be 5 years 6 months and 4 days which is under the 6 year cap.
I hope that this helps to clarify things for you. If you have any questions, or would like me to further explain anything please do not hesitate to get in touch.
Kind regards
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